我国农村商业银行效率及其影响因素分析

摘要

本文运用数据包络分析法（ DEA）对13家农村商业银行2011年的截面数据进行分析，得出各农村商业银行运营的综合效率值，并运用多元回归分析法分析了影响农村商业银行效率的六大因素。研究表明，农村商业银行的创新能力和经营管理能力是影响效率的关键，非利息收入与效率成正比，资产费用率与效率成反比，而资产规模、存贷比、前十名股东持股比例以及营业范围对效率的影响均不显著。%This paper worked on 13 rural commercial banks based on the DEA model during 2011, figured out the com-prehensive efficiency value of the 13 banks, and analyzed 6 influencing factors of the banks'efficiency based on Multiple re-gression analysis .The conclusion is that the key influencing factors are innovation ability and operating management ability . The paper finally put forward the corresponding countermeasures .